← Embedded Finance Index 2026/Vendor

Melio

Provider
Spend / APPSP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 11 companies across 2 categories.

melio.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesSpend / AP, PSP
Rank#7 of 68 in Spend / AP
Buyers11 companies
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In the press
embeddedfinancereview.com ↗
Coverage of Melio sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2025-06-30
Xero Acquires Fintech Melio for $3B to Embed Payments in Accounting Platform
Xero acquires fintech Melio for $3B to embed payments and compete with QuickBooks. Will more non-financial brands follow with fintech acquisitions?
Source · Embedded Finance Review ↗
Who uses Melio
11 companies disclose Melio in their stack
CPA Business AdvisorsAmazonXeroShopify GhanaCashFlow CentralShopifyThaxton & AssociatesPatriot Welding SupplyShiflAccounting SolutionsShopify Balance
Buyer mix · 11 of 11 classified
E-commerce / Platform · 4Vertical SaaS / Accounting · 2Horizontal SaaS / Accounting · 1Infrastructure / Payments · 1Vertical SaaS / Insurance Brokerage · 1Vertical SaaS / Logistics · 1Vertical SaaS / Retail — Welding & Gas Supply · 1
US · 6Canada · 3APAC · 1
What the disclosures say
CPA Business Advisors
“Melio (meliopayments.com) publicly lists CPA Business Advisors as a customer — TIER 1 known_customer_listings.”
Amazon
“Amazon Business blog post (business.amazon.com) titled 'Amazon Business and Melio' describes collaboration to streamline business invoice payment for Amazon Business customers — hosted on target's own domain (business.amazon.com), TIER 1.”
Xero
“Xero CA payments terms (2025-11) list Payments with Stripe, Crezco, BILL and Melio.”
Shopify Ghana
“Shopify App Store listing for 'Shopify Bill Pay' states it is 'powered by Melio' (apps.shopify.com/bill-pay).”
CashFlow Central
“The solution is built on Melio's AP and AR technology integrated with Fiserv's payment services.”
Shopify
“Shopify App Store listing for Shopify Bill Pay (apps.shopify.com/bill-pay) explicitly states 'powered by Melio', enabling business bill payment from Shopify Balance or other payment methods.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Melio? Claim this profile above to unlock your own full list.
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Alternatives to Melio

Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

BILL35 buyers →Brex29 buyers →Ramp23 buyers →Tipalti19 buyers →Pleo15 buyers →Findity11 buyers →Soldo9 buyers →Stripe8 buyers →
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Ranked #7 of 68 in Spend / AP — Embedded Finance Index 2026
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